Montserrat Feré Universitat Rovira i Virgili and ECO-SOS   Avda. Universitat 1 Reus, 43204 España   montserrat.ferre@urv.cat             JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General E6 : Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General